Fair Credit Reporting: FCRA § 606b, 15 U.S.C. § 1681d Disclosure of Nature and Scope of Investigation
Silbergeld (Apr. 15, 1971)
Feldman (Aug. 21, 1974)
Dea (Sept. 24, 1975)
Isaac (June 11, 1998) Brisch
Brinckerhoff (Mar. 25, 1999) Willner
Silbergeld (Apr. 15, 1971)
Feldman (Aug. 21, 1974)
Dea (Sept. 24, 1975)
Isaac (June 11, 1998) Brisch
Brinckerhoff (Mar. 25, 1999) Willner
Conway (May 3, 1971)
Peeler (Apr. 15, 1974)
Grimes (Dec. 9, 1983)
Carson (Apr. 8, 1971)
Conway (May 6, 1971)
Russell (Jan. 30, 1973)
Grimes (Feb. 23, 1973)
Russell (Sept. 18, 1973)
Grimes (Jan. 9, 1974)
Russell (May 15, 1974)
Feldman (May 30, 1974)
Feldman (May 31, 1974)
Dea (July 19, 1974)
Feldman (Aug. 5, 1974)
Feldman (Aug. 21, 1974)
Feldman (Aug. 30, 1974)
Grimes (Oct. 15, 1974)
Peeler (Nov. 4, 1974)
Dea (Nov. 28, 1974)
Dea (Feb. 14, 1975)
Dea (Apr. 2, 1975)
Grimes (May 22, 1975)
Peeler (Mar. 8, 1976)
Peeler (Mar. 20, 1977)
Carson (Apr. 13, 1972)
Feldman (Sept. 5, 1974)
Grimes (Sept. 11, 1975)
White (Feb. 18, 1977)
Morris (July 26, 1979)
Meyer (Mar. 22, 1983)
Peeler (Nov. 1, 1983)
Fortney (Dec. 2, 1983)
Grimes (Dec. 9, 1983)
Petruccelli (Apr. 9, 1984)
Brinckerhoff (Apr. 23, 1986)
Brinckerhoff (Sept. 22, 1987)
d’Entremont (Jan. 25, 1996)
Carson (Apr. 8, 1971)
Conway (May 3, 1971)
Martin (May 26, 1971)
Martin (June 11, 1971)
Carson (Apr. 13, 1972)
Bragg (May 15, 1972)
Grimes (Feb. 23, 1973)
Conway (Sept. 11, 1973)
Russell (Sept. 18, 1973)
Grimes (Jan. 9, 1973)
Peeler (Apr. 15, 1974)
Russell (May 15, 1974)
Feldman (May 22, 1974)
Feldman (May 30, 1974)
Dea (July 19, 1974)
Feldman (Aug. 21, 1974)
White (Apr. 9, 1976)
Peeler (Aug. 23, 1976)
Peeler (Mar. 23, 1977)
Peeler (Jan. 4, 1978)
Conway (May 3, 1971)
Carson (Apr. 13, 1972)
Russell (Sept. 18, 1973)
Grimes (Jan. 9, 1974)
Feldman (May 22, 1974)
Feldman (May 30, 1974)
Peeler (Mar. 23, 1977)
Peeler (Apr. 12, 1979)
Brinckerhoff (Nov. 23, 1983)
Harlow (Apr. 17, 1984)
Brinckerhoff (Aug. 29, 1985)
Grimes (Oct. 8, 1986)
Grimes (Oct. 10, 1986)
Grimes (Dec. 15, 1986)
Brinckerhoff (Aug. 4, 1987)
Brinckerhoff #1 (Sept. 11, 1987)
Brinckerhoff #2 (Sept. 11, 1987)
Brinckerhoff (Oct. 27, 1987)
Noonan (Mar. 15, 1989)
Conway (May 3, 1971)
Russell (Jan. 30, 1973)
Conway (Aug. 27, 1973)
Grimes (Jan. 9, 1974)
Feldman (Apr. 18, 1974)
Dea (July 19, 1974)
Feldman (Aug. 21, 1974)
Feldman (Aug. 30, 1974)
Peeler (Mar. 8, 1976)
Peeler (c. Apr. 1976)
Peeler (Aug. 23, 1976)
Peeler (Mar. 22, 1977)
Cook (Apr. 22, 1977)
Goldfarb (July 20, 1978)
Peeler (July 25, 1978)
Peeler (Nov. 7, 1978)
Federbush (Mar. 10, 1983)
Oliver (June 10, 1983)
Peeler (Aug. 9, 1983)
Brinckerhoff (Oct. 20, 1983)
Feldman (May 30, 1974)
Feldman (May 31, 1974)
Feldman (Aug. 30, 1974)
Peeler (Aug. 23, 1976)
Peeler (Mar. 20, 1977)
Brinckerhoff (July 30, 1985)
Brinckerhoff (Oct. 17, 1985)
Grimes (Apr. 30, 1986)
Grimes (Oct. 8, 1986)
Grimes (Oct. 10, 1986)
Grimes (Dec. 15, 1986)
Brinckerhoff # 1 (Sept. 11, 1987)
Jerison (Feb. 5, 1988)
Grimes (Jan. 17, 1989)
Brinckerhoff (June 26, 1998) Lee
Keller (Aug. 1, 2000) Cohan
Peeler (Mar. 20, 1977)
Buffon (June 16, 1983)
Grimes (Dec. 9, 1983)
Maloney (Sept. 4, 1984)
Grimes (Oct. 4, 1985)
Grimes (Apr. 30, 1986)
Brinckerhoff (July 24, 1986)
Grimes (Oct. 10, 1986)
Brinckerhoff (May 31, 1988)
Brinckerhoff (June 12, 1998) Slyter
Foster (May 5, 1999) Allan
Brinckerhoff (Dec. 16, 1999) Holland
Carson (Apr. 9, 1971)
Silbergeld (Apr. 15, 1971)
Kahn (Apr. 27, 1971)
Conway (May 3, 1971)
Feldman (May 5, 1971)
Carson (May 21, 1971)
Wan (June 2, 1971)
Bragg (Dec. 3, 1971)
Carson (c. Jan. 12, 1973)
Russell (Jan. 30, 1973)
Grimes (July 5, 1973)
Wan (July 5, 1973)
Russell (Sept. 27, 1973)
Grimes (Dec. 19, 1973)
Grimes (Jan. 9, 1974)
Russell (Jan. 21, 1974)
Feldman (Apr. 18, 1974)
Russell (May 15, 1974)
Feldman (Aug. 30, 1974)
Feldman (Sept. 5, 1974)
Peeler (Aug. 27, 1977)
Meyer (Oct. 21, 1982)
Federbush (Mar. 10, 1983)
Harlow (Apr. 17, 1984)
Grimes (Apr. 30, 1986)
Cosgrove (Oct. 27, 1998) Greenblatt
Kammula (July 28, 1998) Kilgo
Dea (Apr. 2, 1975)
Peeler (Aug. 27, 1977)
Meyer (Oct. 21, 1982)
Peeler (Nov. 1, 1983)
Grimes (Apr. 30, 1986)
Grimes (Oct. 10, 1986)
Feldman (May 22, 1974)
Grimes (Apr. 30, 1986)
Conway (Mar. 30, 1971)
Carson (Apr. 8, 1971)
Wan (May 25, 1973)
Conway (Sept. 11, 1973)
Dea (Feb. 14, 1975)
Federbush (Mar. 10, 1983)
Peeler (Nov. 1, 1983)
Petruccelli (Feb. 13, 1984)
Cosgrove (Oct. 27, 1998) Greenblatt
Lamb (Dec. 23, 1997) Harvey
Brinckerhoff (Mar. 10, 1998) Gillespie
Lamb (July 17, 1998) Jaffe
Medine (Mar. 22, 1999) Harris
Brinckerhoff (June 4, 1999) Kosmerl
Brinckerhoff (June 24, 1999) Watkins
Brinckerhoff (Feb. 15, 2000) Amason
Foster (Feb. 15, 2000) Boynton
Keller (Aug. 1, 2000) Cohan
Goldfarb (Sept. 9, 1978)
Goldfarb (Sept. 20, 1978)
Peeler (July 15, 1981)
Oliver (June 10, 1983)
Brinckerhoff (Nov. 4, 1983)
Petruccelli (Feb. 13, 1984)
Brinckerhoff (Sept. 11, 1987)
Brinckerhoff (Feb. 16, 1989)
A debtor who is retaining personal property subject to a lease or securing a purchase money claim is required, within sixty days after the petition, to provide the lessor or creditor reasonable evidence of the maintenance of any required insurance coverage.169 Normally, such creditors or lessors already will know if insurance lapses, as they are named as loss payees in the policy. Only when insurance has lapsed will such evidence be important to creditors or lessors.
Chapter 13 debtors are required to file with the appropriate taxing authorities, by the day before the first scheduled section 341 meeting, all tax returns that the debtor was required to file for all taxable periods ending in the four years before the petition.171 If the debtor was not required to file a return for a particular tax year, no return need be filed for that year to meet this requirement. Presumably this provision applies only to returns that were not already filed, although it does not say so.
The 2005 amendments added new provisions for audits to determine the accuracy, veracity, and completeness of debtors’ petitions, schedules, and other information required by sections 521 and 1322 of the Code.176 Most of the audits are conducted in random chapter 7 and chapter 13 cases, except that not less than one out of every 250 cases in each judicial district shall be selected for audit.177 There are to be other targeted audits of the schedules of income and expenses for those with unusually
In rare instances in consumer cases, either before or after the meeting of creditors, the debtor may be ordered by the court to attend an additional examination. A creditor, the trustee, or any party in interest can seek an examination of the debtor (or any other entity) pursuant to Federal Rule of Bankruptcy Procedure 2004.
In many a routine chapter 7 bankruptcy, the only event of any real importance between filing and discharge is the meeting of creditors, sometimes colloquially called the “first meeting of creditors” or the “section 341(a) meeting” in honor of the relevant statutory provision. While it may pose occasional problems, this proceeding is usually routine and uneventful.
It is also necessary to assemble whatever documents are required to be provided at or before the meeting under local practice or the Bankruptcy Rules.
The debtor must attend the meeting of creditors.196 If the debtor cannot or does not attend, it is often possible to obtain at least one postponement of the meeting.